666 ReVeNGe 666
TROLL IS LIFE
What state do you live in?
What do you do for a living sir?
Why?
Have we spoke before or something?
Credit score jumped 100 points within 8 months
- Thread starter 666 ReVeNGe 666
- Start date
Why?
Have we spoke before or something?
Ronnie Lott
#49erGang
666 ReVeNGe 666
TROLL IS LIFE
Yeah it's really good to me..why?Just asking
Your make really good money right?
I make a comfortable living.
Why you asking me where I live and shyt.
That's weird breh.
Ronnie Lott
#49erGang
I never asked what street you live on, never even asked what city you live in.
What state do you live in
666 ReVeNGe 666
TROLL IS LIFE
MarylandI never asked what street you live on, never even asked what city you live in.
What state do you live in
The benefit is...both getting fukked over in a jam if I need a new car.......my coworker just one cause hers broke down and she paying 14 percent APR.
my girls mom pays 20 percent APR
that's a damn credit card interest rate
My APR is 2.8 when I had a 700 now I got a 787 so imagine if I need a new car...Probably get 1.99 APR
And when I need a house etc...or other emergencies
Hey I get it. But understand the concept of credit and debt. You get a good credit score means the banks love you cuz they making money off you. Society has conditioned people to think living in debt is good.
I get it. Low interest rate for things. I'm not saying don't pay your bills. But instead of being used to using credit think about just saving up for things and buying them.
It sounds like your pretty responsible, that's great. But overall the credit score thing is a racket by banks to put people in leveraged situations while profiting off them.
I personally don't finance cars I buy them if I want/need one. The last thing I'm gonna do is have a car payment again. I'm blessed to say I own my home. I got no debt. I have a pretty nice emergency fund imo.
In getting a house use a mortgage broker and I understand good credit means better rates but you can get a house without a credit score. It's called manual underwriting.
You obviously don't, Banks aren't making money off you if you're paying your statement in full by the required dates. This is how I am able to almost be in the 800 range
If you're irresponsible and missing payments thats the only way banks make money, by hitting you with them interest rates.
I mean at this point, the credit card companies are paying me to use their cards in forms of cash backs and other perks
explain plz
You obviously don't, Banks aren't making money off you if you're paying your statement in full by the required dates. This is how I am able to almost be in the 800 range
If you're irresponsible and missing payments thats the only way banks make money, by hitting you with them interest rates.
I mean at this point, the credit card companies are paying me to use their cards in forms of cash backs and other perks
No I do. You're seemingly responsible and to you using cc is beneficial. That's fine.
Sure pay your balance in full each month. That's great it's what you should be doing. But most don't. And cc companies get a lil bit just by you using your cc through merchant services. Perks and cash back? That's cool. I personally don't care about them. There's a reason why they offer that stuff. So you'll use cc. And get into debt. Keep playing with fire and you likely get burned. Either apr, annual fees, etc. banks get theres. There isn't anyone with a 800 score that can say the bank has never made money off them. Because just by you using the card they get money. If you think the only way banks make money is the interest rate then please re-evaluate.
I don't believe in debt. That's me. I learned long ago it's risky leveraging earnings. To me it's both math and a peace of mind thing. The only time I ever use a cc is for travel.
But I have a negative attitude towards banks in general. Billions to bail their sorry asses out then they try scamming people into running up debt so they can basically repeat the same thing over again. Hell nah.
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Manual underwriting is a way lenders can qualify you for a mortgage without needing a credit score. Lots of lenders won't do it because it actually requires them to work but there are several that do. They check your personal history like job, bank accounts, down payment, etc. it's what they did before credit scores became the big thing banks push today.
Using a mortgage broker can save a lot of money.
Why do you keep mentioning debt
You don't know what debt is?
Why keep saying I'll end up in debt "smart guy"